Platinum Checking

Earn Up to 0.71% APY2

When you open a Platinum Checking account with Bank of Internet USA, you will have the opportunity to earn up to 0.71% APY2 while paying no monthly fees. Along with great interest rates, you'll have access to a comprehensive suite of free online banking tools and exclusive cash-back offers. You shouldn't have to choose between no-fee checking and high interest rates - this premier interest-bearing checking account delivers both.

Platinum Checking Interest Rates

Earn Up To

0.71%

APY2

"I received wonderful service from Robert in the Call Center. He was able to follow my problem and give me an answer. He was exceptional."- Stuart, Seattle, WA

Get Cash for Your Everyday Purchases

When you open a Bank of Internet USA Platinum Checking Account, you'll enjoy exclusive cash back offers when you use your Bank of Internet USA Visa® Debit Card for your everyday purchases. All you have to do is:

Click to activate exclusive cash back offers at the places you like to shop.

Shop online or in stores to redeem your offers by paying with your card. No coupons needed!

Enjoy automatic cash back — it will be deposited right into your Platinum Checking account at the end of the next month.

The Protection You Need, When You Need It

We all make mistakes from time to time. What happens when one of those mistakes results in an important check failing to clear? When you open a premier Platinum Checking account with Bank of Internet USA, you won't have to worry about that happening. Overdraft Protection will protect you from the risk of having important checks returned for lack of funds. Even better, if you don't use the Overdraft Protection that automatically comes with your Platinum Checking account, you won't pay a penny for it.

To link your accounts: log in to your account and send us a secure message indicating the last five digits of the two account numbers you would like to have linked together (regulations limit savings and money markets accounts to a maximum of six transactions per month).

"Thank you and your team for establishing good process to improve customer experience. I will be happy to recommend Bank of Internet USA to my friends.......Thanks Again!"- Jas

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Bank products and services are offered by BofI Federal Bank. All deposit accounts through BofI Federal Bank brands are FDIC insured through BofI Federal Bank. All deposit accounts of the same ownership and / or vesting held at BofI Federal Bank are combined and insured under the same FDIC Certificate 35546. All deposit accounts through BofI Federal Bank brands are not separately insured by the FDIC from other deposit accounts held with the same ownership and / or vesting at BofI Federal Bank. For more information click here.

1. The Annual Percentage Yield (APY) is accurate as of . The interest rate and corresponding APY for savings and money market accounts are variable and are set at our discretion. Interest rates may change as often as daily without prior notice. Fees may reduce earnings.

2. Maintain an average daily collected balance of $5000.00 or more at the end of your statement cycle the stated Tier 2 interest rate will apply; otherwise, the stated Tier 1 interest rate will apply. We use the daily balance method to calculate the interest in your account. This method applies a daily periodic rate to the daily collected balance in your account. The Collected Balance is the balance of all deposits in your account on which we have received credit for the deposited funds (determined by the availability schedule of our Federal Reserve Bank for non-cash items). All Checking and Savings accounts are variable rate accounts. Please refer to the Deposit Account Agreement and Disclosure for further information.

3. Reload @ the Register is a service independent of BofI Federal Bank. Reload @ the Register is provided by Green Dot. Green Dot is a registered trademark of Green Dot Corporation. A fee up to $4.95 applies.